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Remember that veteran who thought he was saving money by skipping Part B? He saved $202.90 a month for 5 years. That's $12,174. Now he pays $101.45 extra per month. For life.

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In 10 years, he's paid $14,600 in penalties. And he's still paying.

That's not savings. That's the most expensive decision he ever made.

For life. No reset button. No appeals. No exceptions.

Take a second. Think about what that penalty means over 20 years.

I'm Chris Duncan. With nearly 20 years of Medicare experience, my organization specializes in helping veterans navigate Medicare options.

⚠️ DISCLAIMER: I'm not affiliated with or endorsed by Social Security, Medicare, the VA, TRICARE, or any government agency. This is general education, not personal advice. Benefits and costs vary by county and plan. Always review your own situation before making changes.

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